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Saint Joseph, MO—64503

Real Estate Data & Market Trends

Key Metrics at a Glance

Median Home Value
$165,000
9.2% YoY Growth
Household Income
$53,400
9.8% YoY Growth
Days on Market
34
6.0% Shorter YoY
Home Price Forecast
3.0%
Median Rent
$900
6.5% YoY Growth
1-Bed Rent
$700
3.3% YoY Growth
2-Bed Rent
$895
12.6% YoY Growth
3-Bed Rent
$1,300
14.2% YoY Growth

Other Zip Codes in Saint Joseph, MO

6450764504645056450664501
  • Home Price Trends
  • Rental Trends
  • Property Listings
  • Demographics
  • Mortgage and Risk

Home Price Trends — Saint Joseph, MO

As of Dec '25, the median home price in Saint Joseph, MO is $165,000, with a year-over-year change of 9.2%. This indicates that home prices in Saint Joseph, MO are increasing. According to Zillow, the 1-year price projection is 3.0%, suggesting an increase housing market in the next year.

Cost per Home Type

Home TypeMedian Home ValueYoY % Change
All Homes
$165,0009.2%
Single Family $165,0009.3%
Condos N/AN/A

Cost per Home Size

Home SizeMedian Home ValueYoY % Change
1 Bed
  • Affordability
  • Rentals and Section 8
    • N/A
    N/A
    2 Bed
    		$119,00011.2%
    3 Bed
    		$196,0006.5%
    4 Bed
    		$235,0006.3%
    5 Bed N/AN/A
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    % of Housing Stock

    Studio
    2.4%
    1 Bedroom
    8.8%
    2 Bedrooms
    30.0%
    3 Bedrooms
    46.6%
    4 Bedrooms
    10.0%
    5+ Bedrooms
    2.2%

    Rental Trends — Saint Joseph, MO

    As of July '25, Rentcast reports the average rent in Saint Joseph, MO is $972, with a year-over-year rent change of -6.5%. Per bedroom, the median rent as of July '25 in Saint Joseph, MO is studios: $650, 1-bedrooms: $725, 2-bedrooms: $849, 3-bedrooms: $1,370, 4-bedrooms: $1,100. The most common rental property sizes in Saint Joseph, MO are 2-bedroom and 3-bedroom, accounting for 38.3% and 34.3% of the rental stock.

    TypeMedian RentAverage Rent
    Average Rent$900$972
    Studio Rent $650$650
    1 Bed Rent $700$725
    2 Bed Rent $895$849
    3 Bed Rent $1,300$1,370
    4 Bed Rent $1,100$1,100
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    % of Rental Stock

    Studio
    3.0%
    1 Bedroom
    19.9%
    2 Bedrooms
    38.3%
    3 Bedrooms
    34.3%
    4 Bedrooms
    4.4%

    Property Listings — Saint Joseph, MO

    As of Dec '25, Realtor.com reports that the median days on market for a home in Saint Joseph, MO is 38. This is a decrease of -28.0% from last year, suggesting that homes are sitting on the market shorter than last year. The percentage of listed homes with a reduced price is 34.0%, representing a large inventory and a lot of supply pressure on home prices.

    MetricZip Code AverageYear over Year % Change
    Median Listing Price
    		$151,0002.0%
    Listing Count
    		33-5.0%
    Listings as % of Homes0.4%-5.0%
    Days on Market
    		34-6.0%
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    Demographics — Saint Joseph, MO

    As of the latest ACS Survey released in 2023, Saint Joseph, MO has a population of 11,900, which has decreased by -2.5% over the past 5 years. Saint Joseph, MO is a moderately popular place for families, as children make up 21.0% of the population. The area has a poorly educated workforce, with 16.4% of adult residents holding a bachelor’s degree or higher. There are few residents working remotely, with 5.4% reporting working from home.

    MetricLatest CensusYoY % Change
    Population
    		11,900-2.5%
    % Under 18
    		21.0%-4.5%
    % Seniors
    		17.1%1.2%
    % WFH
    		5.4%100.0%
    % w/ College Degree
    		16.4%3.8%
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    As of the latest ACS Survey released in 2023, Saint Joseph, MO is a predominantly white area, with 84.6% of the population identifying as white. The white population has shrunk by 0.2% in the last 5 years. The second most common race or ethnicity in Saint Joseph, MO is hispanic, making up 6.0% of the population. Foreign-born residents account for 2.7% of the population in Saint Joseph, MO, and this percentage has decreased by 32.5% as of the ACS Survey 5 years prior, suggesting fewer immigrants are calling the area home.

    Race and Ethnicity

    MetricLatest Census5-Year % Change
    % White
    		84.6%-0.2%
    % Black
    		2.6%-21.2%
    % Hispanic
    		6.0%-28.6%
    % Asian
    		1.1%266.7%
    % Foreign Born
    		2.7%-32.5%
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    Mortgage and Risk — Saint Joseph, MO

    According to HUD data as of 2023, there were 190 mortgage originations in Saint Joseph, MO, of which 66.0% of loans were conventional mortgages. The average loan-to-value was 71.0%, with 35.0% above 90% LTV (very high). This implies large mortgage risk in Saint Joseph, MO. Investor activity is low, as 7.0% of loans were by investors. 14.0% of loans were cash-out refinances, suggesting many homeowners are tapping equity.

    Mortgages

    MetricZip Code Average
    Total Loan Originations
    		190
    % Conventional Loans
    		66.0%
    % Government Loans
    		34.0%
    % Investor Loans
    		7.0%
    % Second Loans
    		1.0%
    % Cash Out Refinance
    		14.0%
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    Rentals and Section 8 — Saint Joseph, MO

    As of 2024, the percent of homes in Saint Joseph, MO under the Section 8 program is 10.8%. This is considered low, suggesting that the neighborhood is sparsely composed of Section 8 homes. Section 8 opportunity is good when HUD pays more than market rent. In Saint Joseph, MO, all tracked home sizes have HUD payment amounts above market rent, suggesting strong Section 8 opportunity across the board.

    Section 8 Market Size

    Total Units under HUD
    		363
    Total Units Section 8
    		186
    % Rentals under Section 8
    		10.8%
    % Occupied Section 8
    		82.0%

    Section 8 Opportunity

    Home SizeHUD PremiumMarket RentMax HUD Rent
    1 Bedroom$180$700$880
    2 Bedroom$265$895$1,160
    3 Bedroom$170$1,300$1,470
    4 Bedroom$550$1,100$1,650

    Affordability — Saint Joseph, MO

    Home Price to Income Ratio

    MetricZip Code Average
    Home Price to Income Ratio2.5
    Median Home Price$165,000
    Median Household Income$53,400

    Saint Joseph, MO — ZIP Code Boundary Map

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    Nearby ZIP Codes

    Saint Joseph, MO

    64501

    Saint Joseph, MO

    64507

    Saint Joseph, MO

    64506

    Elwood

    66024

    Saint Joseph, MO

    64505

    Frequently Asked Questions